2015 Ford Escape Car Insurance Cost

Comparing and finding low cost coverage rates for insurance might be very difficult for beginners to online comparison shopping. People have so many agents and companies to choose from that it can easily become a chore to lower your prices.

It’s smart to quote other rates occasionally because insurance prices are rarely the same from one policy term to another. Even if you think you had the best rate for Escape insurance a few years ago there is a good chance you can find better premium rates now. There are a lot of ways to save on insurance online, but by reading this article, you’re going to learn some excellent ideas to reduce your insurance bill.

If you have car insurance now, you stand a good chance to be able to cut costs considerably using these tips. This information will let you in on how to effectively get price quotes and some tricks to saving. But drivers do need to learn how the larger insurance companies sell online because it can help you find the best coverage.

The most recommended method to compare rates is to know the trick most of the larger companies will pay a fee to compare rate quotes. All you need to do is give them rating details like the year, make and model of vehicles, if you lease or own, coverage limits, and your job. The rating information is automatically sent to insurance carriers in your area and you should receive rate quotes quickly.

Insurance coverage companies offer lots of discounts

Car insurance is not cheap, but you can get discounts that many consumers don’t even know exist. Some discounts will apply when you quote, but a few must be requested specifically before they will apply. If you do not check that you are getting every discount possible, you are throwing money away.

  • Telematics Devices – Insureds who allow driving data collection to scrutinize where and when they drive by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates as long as the data is positive.
  • Discounts for Responsible Drivers – Drivers without accidents may receive a discount up to 45% for Escape insurance compared to rates paid by drivers with frequent claims.
  • Payment Discounts – By paying your entire bill at once rather than paying monthly you can actually save on your bill.
  • Low Miles Discount – Low mileage vehicles could be rewarded with substantially lower prices.
  • Renewal Discounts – Some insurance companies reward drivers for buying a policy early. It’s a savings of about 10%.
  • Discount for Life Insurance – If the company offers life insurance, you could get better prices if you take out auto and life insurance together.
  • Senior Citizen Discount – Seniors are able to get a discount up to 10% for Escape insurance.
  • Accident Forgiveness Coverage – but a handful of insurance companies will forgive one accident without getting socked with a rate hike if your claims history is clear for a set time period.

One thing to note about discounts is that most discounts do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So even though you would think you would end up receiving a 100% discount, nobody gets a free ride.

A list of companies and some of the discounts are detailed below.

  • Progressive may offer discounts for multi-policy, online quote discount, good student, continuous coverage, and homeowner.
  • Farmers Insurance has discounts for pay in full, distant student, electronic funds transfer, switch companies, business and professional, and alternative fuel.
  • Farm Bureau offers discounts for youthful driver, driver training, 55 and retired, renewal discount, safe driver, good student, and multi-policy.
  • State Farm has savings for Steer Clear safe driver discount, good driver, accident-free, defensive driving training, multiple autos, and student away at school.
  • GEICO offers premium reductions for multi-vehicle, five-year accident-free, anti-lock brakes, military active duty, federal employee, membership and employees, and defensive driver.
  • SAFECO may have discounts that include safe driver, teen safety rewards, multi-car, drive less, and anti-lock brakes.
  • Liberty Mutual may include discounts for new graduate, new move discount, new vehicle discount, hybrid vehicle, teen driver discount, exclusive group savings, and newly retired.

When getting a coverage quote, ask all companies you are considering how many discounts you can get. Some discounts listed above might not be offered everywhere. If you would like to choose from a list of insurance companies that can offer you the previously mentioned discounts, click here.

Do I just need basic coverages?

When it comes to buying proper insurance coverage, there is no one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out if your insurance needs may require specific advice.

  • Am I covered when pulling a rental trailer?
  • Should I buy full coverage?
  • When should I buy a commercial auto policy?
  • Will my insurance pay for OEM parts?
  • How high should my medical payments coverage be?
  • Is my 2015 Ford Escape covered for flood damage?
  • Can my teen drive my company car?
  • Why am I required to get a high-risk car insurance policy?
  • Can I rent a car in Mexico?
  • I have a DUI can I still get coverage?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Cut insurance costs with these tips

Consumers need to have an understanding of the factors that help determine your car insurance rates. If you understand what influences your rates, this empowers consumers to make smart changes that can help you get lower premium levels.

The factors shown below are some of the most common factors used by your company to calculate your premiums.

  • Premiums are lower the older you get – Older insureds are more responsible, statistically cause fewer accidents and receive fewer citations.Beginning drivers have been known to be less responsible when at the wheel of a vehicle therefore car insurance rates are much higher.
  • Optional features that cut rates – Purchasing a vehicle with an alarm system can help lower your premiums. Advanced theft deterrents such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent car theft.
  • You may save more by combining policies – Many car insurance companies apply discounts to people who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount applied, it’s in your best interest to comparison shop to make sure you are getting the best deal.
  • Extra policy coverages can cost a lot – Insurance companies have many add-on coverages that sound like a good idea at the time on your Escape policy. Add-on coverages like roadside assistance, accident forgiveness, and extra equipment coverage are examples of these. You may think they are a good idea when talking to your agent, but if you have no use for them get rid of them and save.
  • Prices may be higher where you live – Residing in a small town is a positive aspect when insuring your vehicles. City drivers have congested traffic and higher rates of accident claims. Fewer drivers corresponds to lower accident rates in addition to lower liability claims
  • Safeguard your assets with liability protection – Your car insurance policy’s liability coverage will protect you when a jury decides you are liable for damages from an accident. It provides legal defense coverage which can be incredibly expensive. It is affordable coverage compared to other policy coverages, so do not cut corners here.
  • Don’t let your car insurance lapse – Not maintaining insurance is a big no-no and you may have a hard time finding new coverage because you let your insurance lapse for non-payment. And not only will insurance be more expensive, getting caught without coverage may result in fines or a revoked license.

Is there deception in advertising?

Companies like 21st Century, Allstate and State Farm continually stream television, radio, and online ads. They all seem to state the claim about saving some big amount after switching your insurance coverage coverage to their company. How can each company cost less than your current company? You have to listen carefully.

All the different companies have a certain “appetite” for the type of driver that will not have excessive claims. A good example of this type of insured might have to be a married male, has had continuous coverage, and insures a new vehicle. Someone who fits that profile receive the lowest rate quotes and therefore will save a lot of money.

Potential insureds who are not a match for this stringent profile must pay more expensive rates and ends up with the customer buying from someone else. The ads say “customers that switch” not “all people who quote” save that much. That’s the way companies can truthfully lure you into getting a quote. Because each company has a different risk profile, you absolutely need to do a price quote comparison at every renewal. It is impossible to guess the company that will provide the lowest prices.

What insurance coverages do you need?

Learning about specific coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for expenses like EMT expenses, ambulance fees, rehabilitation expenses, pain medications and dental work. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your 2015 Ford Escape.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverage protection

Collision insurance covers damage to your Escape from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as colliding with a tree, rolling your car, damaging your car on a curb, sideswiping another vehicle and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive protection

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, damage from flooding, rock chips in glass, hitting a deer and hitting a bird. The highest amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverage

This can cover injuries or damage you cause to people or other property in an accident. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like court costs, structural damage, medical services, loss of income and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Summing up your insurance coverage search

There are still a few companies who don’t offer rates over the internet and usually these small insurance companies work with independent agencies. Budget-friendly insurance coverage can be purchased online and from local agencies, so you should compare both to have the best selection.

We just covered many ideas to get a better price on 2015 Ford Escape insurance. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may even discover the biggest savings come from the least-expected company.

When you buy auto insurance online, it’s not a good idea to reduce coverage to reduce premium. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits only to regret that it was a big mistake. Your aim should be to buy the best coverage you can find at the best cost while not skimping on critical coverages.

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